FAQs

FAQ’s Want to know how we do business or who we are? We’ve tried to answer some of our most Frequently Asked Questions here. However, we always invite inquires from new or current customers. Please contact us if you have a question or comment.

A. We do business with many of the best companies in the insurance industry and we have a high-level of expertise in our field. Part of what sets us apart from our competition is a combination of experience, size, resources, market access, and product breadth.

We are free to do business with those companies that we, along with our retail agency customers, determine to be best suited for their client’s needs.

We’ve been pioneers in the surplus lines industry for over 45 years and we have seen the ups and downs of the marketplace. This experience gives us an edge when selecting tools to solve the risk challenges of our customer’s clients.

Q. How do I do business with Hull & Company?

A. If you are a consumer, you must contact a licensed insurance agent to access the products we offer. We suggest you ask people you trust who they use, check your phone book, or click here to locate an agent convenient for you.

If you are a licensed insurance agent or broker, we suggest you begin by contacting the branch nearest you to discuss opportunities with the branch manager or marketing manager.

If you are an insurance company, please contact us to discuss opportunities.

Q. How does Hull & Company do business?

A. We are strictly a wholesale distributor of insurance products. We only transact business between insurance companies and insurance agents and brokers. We do not do business directly with the public.

Hull & Company acts as an MGA (Managing General Agent) and as a Wholesale Broker.

Hull represents many insurance companies as an MGA. In this capacity we may handle all, part of, or a combination of advertising, marketing, rating, quoting, binding, policy issuance, policy maintenance, accounting and other miscellaneous functions.

As a wholesale broker we help insurance agents access a broader group of specialty insurance companies. We negotiate terms and are responsible for ongoing communication with the carrier during the policy period. We also bring our knowledge of surplus lines to the table.

Q. What kinds of business does Hull & Company handle?

A. Our product range varies from commercial to personal, large and small, casualty to transportation and more.

Casualty

Property

Inland Marine

Marine/Aviation

Personal Lines

Professional Liability

Transportation

Q. Which insurance companies does Hull & Company do business with?

A. We have access to most of the major companies in the industry as an MGA or as a Wholesale Broker. If you have questions about whether or not we can place business with a particular company, please contact the Hull office nearest you by clicking here.

Q. What states do you do business in?

A. We have more than 30 locations in over 18 states and have the ability to handle business in almost any of the 50 United States. Speak with your local Hull office for more information.

Q. What is E&S Insurance?

A. E&S stands for Excess and Surplus Lines. This refers to the segment of the insurance market that serves types of accounts that are hard to place or accounts that are located in areas that present special hazards. In other words, the E&S insurance market writes the accounts that cannot be covered in the standard insurance market.